6 Clever Ways to Reduce Monthly Bills Before They Drive You Into Debt

1. Cancel unused subscriptions

You're probably paying for subscriptions or memberships you no longer use. You can reduce your spending by canceling these services, giving you more money to put toward your financial goals.

2. Give budgeting a try

Many people are put off by the idea of budgeting. However, budgeting can help you become more aware of your daily spending habits. 

3. Alter your grocery shopping habits

Life is hectic, and there isn't always time to plan your next grocery run. However, if you are willing to alter some of your shopping habits, you may be able to reduce your grocery spending.

4. Shop around for the best insurance rates

Even if higher insurance costs are the norm, getting quotes from multiple insurers to see if you can reduce your insurance costs is a good idea.

5. Negotiate the cost of recurring bills

Some of your monthly bills may be negotiable. Check current rates for recurring bills like home internet and mobile phone service.

6. Remove saved credit cards from online shopping apps

Removing your saved credit cards from online shopping apps and websites may help you stop spending more than you planned at your favorite online retailers.